Uninsured Motorist Coverage

In a perfect world, you wouldn't need uninsured motorist coverage. If you're in an accident with an uninsured driver, who can't pay for the damage to your vehicle, you may be stuck with the bill. All states require liability car insurance, but some liability policies may not cover the entire cost of your repairs. Uninsured and underinsured insurance coverage will make sure you're covered, even if the other person isn't.

Uninsured motorist insurance 101

Adding uninsured or underinsured coverage to your insurance policy can provide protection if you're in an accident with an uninsured driver. Here's how:

• Underinsured motorist coverage pays the difference between what the uninsured driver's policy covers and the full cost of your damages.
• Damage caused by drivers with no liability insurance and no ability to pay for repairs out-of-pocket are covered by uninsured insurance coverage.
• In a hit-and-run accident, uninsured driver insurance can cover the cost of damages.

Uninsured motorist coverage quotes

Uninsured motorist insurance can help you avoid paying for repairs out-of-pocket.

• Get an online auto insurance quote
• Call 1-800-622-9333
• Find a Senate Select Insurance Insurance Agent or Broker near you

Products and discounts not available to all persons in all states. Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Senate Select Insurance-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.

Collision Coverage

Every state requires liability insurance to cover property damage when you're at fault in an accident. But what about your own property? When you're at fault, damage to your vehicle isn't covered by liability coverages; it's protected by collision coverage. If you're at fault in an accident, collision coverage will cover the cost of repairs to your vehicle – minus your deductible.

How to get affordable collision auto insurance

Determining your deductible is an important part of purchasing collision auto insurance. When choosing collision insurance, decide how much you would be comfortable paying out-of-pocket for car repairs after an accident. The lower your deductible, the higher your monthly insurance payment, or premium, will be.
It's important to find a balance between an affordable monthly payment and a deductible that won't break the bank.

Collision auto insurance quotes

Collision auto coverage protects your property after an accident. Senate Select Insurance offers exceptional discounts and flexible payment plans so you can get the coverage you need for as little as $2 a day.

• Get an online auto insurance quote
• Call 1-800-622-9333
• Find a Senate Select Insurance Insurance Agent or Broker near you

Products and discounts not available to all persons in all states. Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Senate Select Insurance-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.

Liability Car Insurance Facts

Even minor fender benders can result in thousands of dollars in damage. No matter how careful you may be behind the wheel, accidents can happen. Without insurance, you pay for damages both to your vehicle and any vehicles or property you damage in the accident. That's why auto liability insurance coverage is so important. Not only is auto liability insurance required by state law, it also places financial responsibility for damage caused by your vehicle on the insurance provider (once your deductible has been met). 

What is liability insurance?

Liability insurance is usually comprised of three basic components:

1. Bodily injury per person
2. Bodily injury per accident
3. Property damage 

Each area has an upper-limit that your insurance provider is legally responsible to pay. For example, an auto liability insurance policy may cover up to $25,000 per person, with a per accident upper-limit of $50,000 in bodily injury protection.

The bodily injury coverage will pay for medical expenses that result from an accident. Check with your local bureau of motor vehicles to find out how much coverage is required in your state.

The third component -- property damage -- covers damage to vehicles or property; it also has a coverage upper-limit. Your specific auto liability insurance coverage will vary depending on the state you live in, the make and model of your vehicle, and other factors.

Liability insurance quotes

Affordable liability insurance is easy to find if you know where to look. Senate Select Insurance offers exceptional discounts and flexible payment plans so you can get the coverage you need for as little as $2 a day.

• Get an online auto insurance quote
• Call 1-800-622-9333
• Find a Senate Select Insurance Insurance agent or broker near you

Senate Select Insurance Products and discounts not available to all persons in all states. Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Senate Select Insurance-affiliated underwriting companies, which are controlling. Such products, coverage, terms, and discounts may vary by state and exclusions may apply.